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Held by 231 of 5,944 reporting institutions (93th percentile) — extremely crowded.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $100.18 today, the market must believe free cash flow compounds 4.5%/yr for a decade (off $127M normalized FCF).
The market's 4.5% is more optimistic than its 9-yr track record.
2-stage DCF · 0.02B shares · net debt -$157M
mean 7.0% · volatility σ 33% · implied rate exceeded in 3/9 yrs
Central path = implied 4.5%/yr growth; shaded band = ±1σ (33%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
5/6 of the 9 checks — 3 couldn't be scored (see above), so the score is out of the 6 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash conversion lags reported earnings — watch accruals. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $90M buybacks = $90M returned on $127M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 26%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $157M covers the $21M due within a year 7.4× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Coverage is adequate but not comfortable.
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-09-17
Nothing notable to watch.
No material risks flagged.
Where each multiple sits in its own 14-yr range · 73th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 8.7× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| SG&A | 12.0 | 10.5 | 9.9 | 8.5 | 10.4 | 11.8 | 12.4 | 9.4 |
| Operating Income | 30.7 | 31.8 | 35.5 | 39.2 | 33.1 | 1.4 | 12.0 | 35.4 |
| Income Tax | 3.5 | 2.3 | 4.7 | 5.3 | 8.3 | 2.1 | 3.3 | 4.5 |
| Net Income | 8.8 | 11.9 | 14.1 | 21.7 | 13.9 | -16.8 | -10.6 | 14.5 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on ECPG: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.77B 100.0% | $1.32B 100.0% | $1.22B 100.0% | $1.40B 100.0% | $1.61B 100.0% | $1.50B 100.0% | $1.41B 100.0% | $1.32B 100.0% | $1.15B 100.0% | $1.11B 100.0% |
| Selling, General & Admin | $165.9M 9.4% | $163.8M 12.4% | $144.9M 11.8% | $145.8M 10.4% | $137.7M 8.5% | $149.1M 9.9% | $148.3M 10.5% | $158.4M 12.0% | $158.1M 13.8% | $134.0M 12.0% |
| Total Operating Expenses | $1.14B 64.6% | $1.16B 88.0% | $1.21B 98.6% | $936.2M 66.9% | $981.2M 60.8% | $967.8M 64.5% | $951.3M 67.7% | $956.7M 72.4% | $862.5M 75.3% | $787.7M 70.7% |
| Operating Income | $626.6M 35.4% | $157.3M 12.0% | $16.5M 1.4% | $462.2M 33.1% | $633.3M 39.2% | $533.6M 35.5% | $446.3M 31.8% | $405.3M 30.7% | $324.5M 28.3% | $241.5M 21.7% |
| Interest Expense | $293.9M 16.6% | $252.5M 19.2% | $201.9M 16.5% | $153.3M 11.0% | $169.6M 10.5% | $209.4M 13.9% | $217.8M 15.5% | $237.4M 18.0% | $204.2M 17.8% | $198.4M 17.8% |
| Other Income (Expense), net | -$290.5M -16.4% | -$253.5M -19.3% | -$196.8M -16.1% | -$151.2M -10.8% | -$196.7M -12.2% | -$250.7M -16.7% | -$245.1M -17.4% | -$248.8M -18.8% | -$193.3M -16.9% | -$184.1M -16.5% |
| Pretax Income | $336.2M 19.0% | -$96.2M -7.3% | -$180.3M -14.7% | $311.0M 22.2% | $436.5M 27.0% | $282.9M 18.8% | $201.2M 14.3% | $156.5M 11.9% | $131.2M 11.5% | $57.4M 5.2% |
| Income Tax Expense | $79.3M 4.5% | $43.0M 3.3% | $26.2M 2.1% | $116.4M 8.3% | $85.3M 5.3% | $70.4M 4.7% | $32.3M 2.3% | $46.8M 3.5% | $52.0M 4.5% | $38.2M 3.4% |
| Net Income | $257.0M 14.5% | -$139.0M -10.6% | -$206.0M -16.8% | $195.0M 13.9% | $351.0M 21.7% | $211.8M 14.1% | $167.9M 11.9% | $115.9M 8.8% | $83.2M 7.3% | $76.6M 6.9% |
| Per Share | ||||||||||
| EPS (Basic) | $11.05 | $-5.83 | $-8.72 | $8.06 | $11.64 | $6.74 | $5.38 | $4.09 | $3.20 | $2.98 |
| EPS (Diluted) | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 | $5.33 | $4.06 | $3.15 | $2.96 |
| Weighted Avg Shares (Basic) | 23.2M | 23.9M | 23.7M | 24.1M | 30.1M | 31.4M | 31.2M | 28.3M | 26.0M | 25.7M |
| Weighted Avg Shares (Diluted) | 23.5M | 23.9M | 23.7M | 26.1M | 31.2M | 31.7M | 31.5M | 28.6M | 26.4M | 25.9M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| ECPG | $2.2B | 9.2× | 3.1× | 1.2× | 34.4% | — | 14.5% | 26.3% | 26.3% | — | 231 |
Peers = companies sharing ECPG's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.